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Fitriyah, Halimatul and Choiruddin, Muhammad Nanang (2026) Determinants of MSMEs' access to finance: Firm characteristics, financial delinquency, and fintech adoption. Entrepreneurship Business Management Accounting (E-BISMA), 7 (1). pp. 224-242. ISSN ISSN 2774-8790 (Print) and ISSN 2774-8804 (Online)
